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Money

Credit

Avoiding the Pitfalls of High Interest Credit Cards

There is no doubt that having a credit card can offer far greater ease and convenience for most people. These cards enable you to enjoy more financial freedom and greater flexibility. However, you could end up spending a lot of money on interest if you are not careful when it comes to usage. Whether you already have a credit card or are considering getting one, there are a number of ways in which you can reduce or avoid the pitfalls of high interest credit cards....(more)

5 Advantages of Having Good Credit

Whether you have credit cards or lines of credit, credit comes with its advantages. That's why it's so important that you have a good credit score so that you can make use of this financial resource. If you need to be convinced to build your score up, look at some of the advantages of this effort....(more)

Avoid Making the Minimum Payment on Credit Cards

There are many people with credit cards who repay the balance on their cards gradually rather than paying in full each month. If this is something you decide to do, you will need to make a minimum payment on the debt as requested by the lender. However, while making minimum repayments may seem like a good way to keep your costs down, there are many reasons why you should aim to pay more than the minimum on your card debt. Some of the key reasons are listed below....(more)

Should You Pay for a Credit Score?

You may be in need of a loan for several reasons, and it takes more than being able to pay off the loan to secure one. You have to prove that you can take the responsibility of doing so. One of the ways that you can do this is by having a good credit score. There are many sites online offering different prices to give you your score, so you may be wondering if you even need to pay for it....(more)

Mortgages

What to do When Your Mortgage is Underwater

The economy is turbulent and knowing where you are on your mortgage is important to staying out of debt. Most people dream of owning their home outright and not owing anyone for it. In order to get ahead of your mortgage when your mortgage is underwater, you must formulate a plan to pay it off quicker. Doing so gives you the freedom of not paying interest and getting rid of a large debt. Should you decide to sell your home, you can ensure a greater profit knowing you are no longer underwater....(more)

How to Tell if Now is the Time to Buy a Home

There are always ads that pop up on late night TV stating that now is the perfect time to buy a home. But just because an ad says so does not make it true. Each borrower needs to meet certain standards in order to avoid the mistakes of those who came before. In no particular order, pay attention to these key points before thinking about purchasing a house and spending money on mortgage payments....(more)

What You Need To Know Before You Apply For A Boat Mortgage

Buying boats for recreational purposes or even to live on as a houseboat is becoming more and more popular. It is no surprise, however, that as boats can be a bit expensive many people aren't able to afford buying one in a lump sum. If this is the case, a boat mortgage is the most common option. While these are similar in many ways to mortgages for a home, there are some things you need to know before applying....(more)

Retirement

Spousal Benefits of Social Security

Qualifying persons are entitled to Social Security spousal benefits. This is an option that lets one spouse file for the benefit and the other receive it. This information helps you understand how Social Security spousal benefits work....(more)

Reliable Sources for Retirement Income Funds

If your retirement income funds have been affected by the global financial crisis, you are probably searching for more reliable investment sources. There are many lower-risk options that protect your retirement income funds while offering a respectable return on your investment....(more)

How to Determine if You Have the Best Investment Portfolio for Retirement

Investors need to consider different ways to ensure they have enough money in retirement. You might be wondering if your retirement plan is growing in the right direction. Investing for retirement is a long-term goal and it brings on a set of extremely complicated decisions, and many of them come all at once. However, the best news is that it is never too early or too late to start planning. Better yet, there are three things about your investment that are completely under your control and can have a sizable impact on your retirement, including how much you invest, the rate of return you earn on your investments, and the number of years those investments have to grow. Here are some topics to consider and discuss with a financial planner in order to build a strong investment portfolio for retirement....(more)

Money Expert

Peter Dunn

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Peter Dunn, a.k.a "Pete the Planner" is an award-winning comedian and an award-winning financial mind. A popular radio host, TV personality, and blogger at petetheplanner.com, Peter's number one goal is teach people how behavior affects money. He is the author of four books, including What Your Dad Never Taught You... Read More

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